Hello out there... Here is my situation.. Providian 400 cl opened 4//01 FCNB 900cl opened 5/01 Getsmart 500cl opened 6/01 Cross Country $1500cl opened 6/01 Orchard 500cl opened 7/01 not reporting Target Visa (AU) 4500cl 8/01 not reporting Orchard mastercard 300cl 12/01 Wells Fargo Car loan 01/02 $24,000 SO here is my dilemma....Orchard sent me another pre approved deal but I already have 2 accounts with them and my rates on both cards are 9% and16.9%..Cap one sent me a offer which Ii responded to and i should no something by the end of the week...My question is all of these cards have low balances and are relatively new so am i hurting my self by opening so many accounts ?? ...My scores are in the 580 range on all 3 bureaus..II really want a Citi AA Card so that I can close my FCNB card..I I have used planet feedback to lower my rates on some of the accounts but the companies Ii am dealing with seem to be stingy on cl increases... And do Ii get points for each account that become a year old or is it just the first cc account that i opened ?? II have heard that you get points once the accounts reach a year old, so by having many of them will that benefit me ??
All of my negatives are more than 5 years old at this point...Citi AA with scores in the 580s ??? What do you think....
looks as most dates are under a year--may be too new Combine the 2 Orchard cards keep the oldest tradeline date Are you maxed on theses cards? A question close to what you are asking was just posted find the thread yesterday on Citi AA and compare yours with others that responded
IAcross all of the accounts I owe a combined amount of $332...No account has more than a $40 balance..I am just so tempted to apply for the Citi so I can do a balance transfer...Orchard Bank does not even offer balance transfers..I do not believe they would let me combine accounts..But I will ask..Thanks for the advice...
